| One country regards agriculture as overwhelming industry, indicating rural issues are very serious and very difficult to solve. Initiating in rural areas' China's economic reforms has gone through stormy course more than 30 years, despite the national economic development has made great achievements, a huge gap between urban and rural economic development underlines that the basis of economic development in China is still relatively weak. Sixth National Congress of Communist Party of China, the CCPCC adheres to solve the "three rural " issue as a top priority of the Party's work, along with the abolition of agricultural taxes and policies benefiting farmers and strenthening agriculture having been put forward, "Agriculture "problems have been alleviated. However, the solution of "three rural" problem remains to be done, many deep-seated problems have yet to be effectively resolved, including the problem of financing in rural areas,which has become a key bottleneckan hindering the development of agricultural production, rural economic growth and peasantl incomes.Finance is the core of modern economy, its core function is to optimize the allocation of financial resources. If the efficiency of capital allocation has been improved, then it helps to improve the speed and quality of economic development,; the other hand, if the inefficient allocation of funds, the national economy is bound to a "high input, low output and low efficiency" issue, and even induce "stagflation ". Visibly,taking the efforts to improve capital allocation efficiency has great significance for improving the quality of macroeconomic.Since the reform and opening up, even though China's rural financial system has undergone tremendous change, has been formed three pillars of rural financial system composed by commercial financial institutions, financial policy institutions and co-operation financial institutions, but various economic diversification in rural areas, and more level of demand for financial services (especially credit demand) is still far from being effectively met. Agricultural Development Bank financial strength is weak, the lack of institutional networks, determine the financial policy can not be the ease China's vast rural areas based on the reality of the financial problems; Agricultural Bank of China has been transformed into joint-stock commercial banks, and credit funds and the profit motive of the security is growing, doom commercial finance can not assume responsibility for the policy of financial support for agriculture; the nature of rural credit cooperative system has long been lost, it's inner impulse is difficult to contain to go commercial, urban development path,and a new round of 2003-2007 pilot reform of rural credit cooperatives of huge costly and the effectiveness not been apparent is proof. The end of 2006, the CBRC issued the "relaxing on the adjustment of banking institutions in rural areas, access to policy advice," which started the cultivation of new pilot work of rural financial institutions. For the 4 years, the development pilot of national new-type rural financial institutions made some progress, but there are still many problems yet to be solved.Tibet derived from the feudal serfdom under theocracy, economic base is very weak, agriculture and animal husbandry in Tibet has always been an important foundation for economic development, population of agricultural and pastoral areas has been the subject of the composition of Tibet's population. Since the reform and opening, with the accelerating pace of the economic development of Tibet' urban, agricultural and pastoral areas showing a marginalization of the economy, urban-rural income gap is widening.. It is of great practical significance for to achieve leapfrog development in Tibet's economic and social objectives and to ensure that the country of Tibet in 2020, together with a comprehensive well-off into society, that focuing their efforts on Tibet "three rural" development, increasing production and efficiency to promote the agricultural, farmer income growth and economic development in pastoral areas, However, the industrial structure and pastoral areas of Tibet is single, relatively low efficiency of traditional agriculture and animal husbandry, and the plateau characteristics of agricultural and livestock processing industry have severe constraints by financing difficulties, ecological fragility, away from the market and many other negative factors,. Therefore, it becomes a crack development issue of the strategic choice to find an entry point for economic development in pastoral areas and concentration on the implementation of key breakthroughs in agricultural and pastoral areas of Tibet.For a long time, the financial sector development stagnated, the shortage of funds has been a biggest bottleneck restricting agricultural and pastoral areas of Tibet the development of non-agricultural industries. Sparsely populated agricultural and pastoral areas of Tibet, economic backwardness, transport facilities, lack of information, which give state-owned commercial banks to expand their business in the agricultural and pastoral areas have brought tremendous obstacles. Driven by the strategy of the CCPCC's third Tibet Work Forum on the "Tibet national" strategic arrangement, the Tibetan Branch of Agricultural Bank of China rural credit cooperatives by merging the Tibetan pastoral areas system has become the only type of financial institution loans. Although the Agricultural Bank does a lot of work in the financial support the development of agricultural and pastoral areas of Tibet, a huge gap still exists compared with the agricultural and pastoral areas rapid development's an urgent requirement for financial services. Currently,80% of the Tibetan people are still living in the agricultural and pastoral areas, weather is successful implementation of the pilot-based financial and pastoral areas of economic and social development strategy, will directly affect two major events'practical results,the economic leap-forward development and stability in our society.This paper uses new institutional economics, information economics, theory of financial development, the modern econometric theory and methods, taking agricultural and pastoral areas of Tibet System of a modern financial sector as the main line, from the theoretical and empirical, macro and micro, history and reality and other multi-dimensional perspective, reviewing the basic theories related to rural financial development, reviewing the history of international and domestic financial development in rural areas, the use of cutting-edge econometric method of democratic reform, especially since the reform and opening up the Tibet Autonomous Region and the rural and pastoral areas of financial development and economic growth between relations between the empirical analysis, design, support the financial industry and pastoral areas of Tibet's economic development mode, building the next 5-10 years, the Tibet Autonomous Region and the rural and pastoral areas of modern financial service system of the basic framework. The paper is divided into eight chapters:Chapter I Introduction. This chapter explains the research background and significance of this article, explain the basic research ideas in this paper and the main research method, to illustrate the possible innovation and the need to further study the issue.Chapter II Reviewing the Rural Financial Development Theories. Based on defining the core concepts of this chapter, based on a number, this chapter makes a brief review of the relationship between financial development and economic growth literature, and sums up theory of financial development on frontier issues in rural areas.Chapterâ…¢The Basic Theories of Rural Financial Development. This chapter reviews the new institutional economics in the system of property rights theory, transaction cost theory, institutional change theory, information economics of asymmetric, information theory, theory of credit rationing, monopoly and antitrust theory, the theory of financial development and rural financial market theory Schools and other development issues and is closely related to rural finance basic theory point of view.Chapterâ…£Studying the International and Domestic Experience of Rural Financial Industry Development. This chapter first examines the United States are Japan, Germany, France, India, and Evolution of the rural financial system and the Grameen Bank model in Bangladesh, and refining the development of the international financial sector in rural areas of China rural financial reform for the Development of enlightenment; and the system Recalling the 1920 Rural Finance in China since the basic situation of various stages of development; last visit Tibet since the reform and opening up its agricultural and pastoral areas of financial sector development process.Chapterâ…¤Empirical Analysis of Relations of Financial Development and Economic Growth in Agricultural and pastoral areas of Tibet. First, agricultural and pastoral areas of democratic reform in Tibet and its economic and financial time series since the relevant variables in structural changes in the minimum LM unit root test; Secondly, two groups of rural and pastoral areas of Tibet and its economic and financial variables in the border inspection; again, this two sets of economic and financial variables to make generalized causality test. Meanwhile, the results were measured on all kinds of reasonable explanations are givenChapterâ…¥The Methods of Financial Industry Supporting the Development of Agricultural and Husbandry and Handicrafts. This chapter was designed to support the financial industry and the farming and animal husbandry development of specific models of national handicraft industry, the financial industry to support economic development in pastoral areas of Tibet provides a. preliminary operational plan.Chapterâ…¦Designning the System with Chinese characteristics and Tibet features of Financial Development of its Agricultural and pastoral areas of Tibet. This chapter specifically constructed with distinctive Chinese characteristics, characteristics of the Tibet Autonomous Region and Tibet, modern financial industry systems and agricultural and pastoral areas of Tibet the development of modern financial system for the future of agricultural and pastoral areas of Tibet and the development of modern financial industry provides an important reference of the program.Chapterâ…§Summary and Outlook. This chapter briefly summarizes the main conclusions of the full text and the basic policy recommendations of developing modern financial industry in the agricultural and pastoral areas of Tibet and prospects the development of modern financial industry.
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